Insurance kills deal!

Discussion in 'Gen 4 Prius Main Forum' started by manku, Dec 10, 2016.

  1. Prodigyplace

    Prodigyplace Senior Member

    Joined:
    Nov 1, 2016
    10,865
    10,409
    0
    Location:
    Central Virginia
    Vehicle:
    2017 Prius
    Model:
    Two
    I think you will find that $0 deductible raises the price considerably. If you are not comfortable with $500 deductible, perhaps $100 or $250.
     
  2. Stl22js

    Stl22js New Member

    Joined:
    Nov 27, 2016
    5
    2
    0
    Location:
    St Louis
    Vehicle:
    2017 Prius
    Model:
    Three Touring
    You should also ask to look at all deductibles. I found that a $600 deductible vs $500 saved me $50 every 6 months. If you've got a good agent sit down and work the numbers.

    Posted via the PriusChat mobile app.
     
    Prodigyplace likes this.
  3. Kremtok

    Kremtok Smug Alert!

    Joined:
    Apr 5, 2008
    100
    73
    0
    Location:
    Homer, Alaska
    Vehicle:
    2016 Prius
    Model:
    Four
    Thanks for the advice, gents, but I assure you that I've spent plenty of time with my local agent working the numbers. Raising the deductible doesn't do much for me.
     
  4. RCO

    RCO Senior Member

    Joined:
    Aug 31, 2016
    3,708
    5,156
    0
    Location:
    Cornwall
    Vehicle:
    Other Hybrid
    Model:
    N/A
    All insurance companies want your money! It's a fact.
    Try another company and see if they will give you a better offer. It usually works because they need your business, but you'll need to repeat the process again with another company next renewal. You can try more than one then pick the one which suits you best.
     
  5. Coast Cruiser

    Coast Cruiser Senior Member

    Joined:
    Mar 12, 2016
    2,267
    2,555
    0
    Location:
    Pacific Coast Highway
    Vehicle:
    2016 Prius
    Model:
    Three
    Same with mine. Raising the deductible saves me very little. I pay my insurance in one lump sum payment ($1500) at the beginning of each year. I also have the $500 deductible. So if I have an accident, I am already out $2000 before the insurance even kicks in. :LOL:

    I canceled the collision & comp on my Camry's, and I saved 50% to 60% off the annual bill. I'm seriously considering doing that with my Prius, too.
     
  6. MichelleStone

    MichelleStone Senior Member

    Joined:
    Jul 4, 2016
    532
    784
    0
    Location:
    Mariposa, CA
    Vehicle:
    2016 Prius
    Model:
    Four
    I cancel my collision when I've got a lot of miles on my car, it is paid off, and I have enough funds to outright buy a new car. Until then, I keep it. I keep my deductible at 1000.00. It saves me ten to twelve dollars a month. I figure I can absorb that. It's in account at Schwab earning money.
     
    fuzzy1 and Coast Cruiser like this.
  7. Coast Cruiser

    Coast Cruiser Senior Member

    Joined:
    Mar 12, 2016
    2,267
    2,555
    0
    Location:
    Pacific Coast Highway
    Vehicle:
    2016 Prius
    Model:
    Three
    Same with me Michelle, that's what I did with my Camrys. A couple of insurance guys have told me that the parts for the Prius are extremely expensive to replace. Especially if you wreck the front end severely, and hybrid components are damaged. That must be the reason for the high collision premium cost. (And of course the repair facility always jacks up the price, just to rip off the insurance.)

    I've driven a couple vehicles that have been in severe accidents, and were repaired. They just don't seem to be the same. They don't sound the same and they don't drive the same. Hopefully, it never happens to me. But if it did I think I would just buy another vehicle.

    Now I kind of wish I had just leased my Prius. I saw a special deal of zero down, zero drive off, and only $189 a month for three years. (just think of it as a three-year test drive.:ROFLMAO:)
     
  8. MichelleStone

    MichelleStone Senior Member

    Joined:
    Jul 4, 2016
    532
    784
    0
    Location:
    Mariposa, CA
    Vehicle:
    2016 Prius
    Model:
    Four
    I had a Grand Am once, the sport edition with a quad four engine. That was before they trashed the design and turned it into a pos machine. It was the nicest car I'd ever owned. For the time, it had advanced electronics with a cool diagnostic information screen. I ran into a deer. The car was repaired but the electronics never worked right after that. The power windows wouldn't go up and down reliably. The diagnostic capability didn't ever work after that. I had to get rid of it. And I took a huge loss.
     
    Coast Cruiser likes this.
  9. IAPrius

    IAPrius Active Member

    Joined:
    May 28, 2016
    120
    140
    1
    Location:
    West Des Moines, IA
    Vehicle:
    2016 Prius
    Model:
    Four
    You don't like the exterior or interior of the car..... why are you even looking at it then? Check out the Volt or Ioniq if you want great gas mileage.
     
  10. manku

    manku Junior Member

    Joined:
    Mar 9, 2011
    29
    4
    0
    Location:
    United States
    Waive $400 disposition fee, love 50 mpg, easy to park, easy to drive in LA. I can live with the ugly exterior...the gen 3 was no beauty either!

    My friend has a volt...drives fine, unfortunately it feels like a submarine inside...cramped, terrible visibility. Ioniq isn't available yet, and I'm gnot a big fan of buying first year of a new model.

    Ended up getting an Outback...so far terrific car, with some weird quirks (doors don't automatically lock?).

    As for insurance discussion, I would suggest getting quotes from Progressive/Geico/Liberty Mutual....all were substantially lower than AAA and Allstate.
     
    bisco likes this.
  11. bisco

    bisco cookie crumbler

    Joined:
    May 11, 2005
    86,233
    38,139
    0
    Location:
    boston
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    all the best!(y)
     
  12. robsnyder20

    robsnyder20 Active Member

    Joined:
    Aug 13, 2012
    277
    226
    0
    Location:
    SW Florida USA
    Vehicle:
    2016 Prius
    Model:
    Three
    Going from an 03 Matrix with full coverage to a 16 Prius it went up $140 a year. I didn't think that was bad because I was insuring a car that was worth 2K and now insuring a car that cost 29K. I did compare the cost to a Corolla and it was like $30 a year more, but I figured this was due to the cost difference between the two vehicles.
     
    RCO likes this.
  13. Rebound

    Rebound Senior Member

    Joined:
    Mar 11, 2010
    3,672
    2,239
    0
    Location:
    Portland, OR
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    Can we all just switch to the same car model together, so we can still have the PriusChat community?
     
    RCO likes this.
  14. Prodigyplace

    Prodigyplace Senior Member

    Joined:
    Nov 1, 2016
    10,865
    10,409
    0
    Location:
    Central Virginia
    Vehicle:
    2017 Prius
    Model:
    Two
    I already got my Gen 4. When are you getting yours?
    I assume that's what you meant, posting in a Gen 4 forum.
     
    RCO likes this.
  15. Rebound

    Rebound Senior Member

    Joined:
    Mar 11, 2010
    3,672
    2,239
    0
    Location:
    Portland, OR
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    To be honest, I'm planning on keeping my 2012 for at least two more years, then I might give it to my teenaged son and get something new for myself.
     
    RCO likes this.
  16. Prodigyplace

    Prodigyplace Senior Member

    Joined:
    Nov 1, 2016
    10,865
    10,409
    0
    Location:
    Central Virginia
    Vehicle:
    2017 Prius
    Model:
    Two
    So, to all be at the same car model, we need to get 2012 PiPs. Yeah. That's the ticket.:LOL:
     
  17. Rebound

    Rebound Senior Member

    Joined:
    Mar 11, 2010
    3,672
    2,239
    0
    Location:
    Portland, OR
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Base
    Yeah, you're totally out of cycle.

    What's funny is reading the Gen III and Gen IV "Maintenance and Troubleshooting" threads. The Gen III owners are doing all kinds of maintenance work and the Gen IV owners are asking whether the first oil change is free.

    I don't read the Gen I and II threads, but they're probably replacing engines and stuff.
     
    RCO likes this.
  18. Prodigyplace

    Prodigyplace Senior Member

    Joined:
    Nov 1, 2016
    10,865
    10,409
    0
    Location:
    Central Virginia
    Vehicle:
    2017 Prius
    Model:
    Two
    Well, if the O/P bought a 2012 PiP, it would solve their insurance problem...
     
  19. RCO

    RCO Senior Member

    Joined:
    Aug 31, 2016
    3,708
    5,156
    0
    Location:
    Cornwall
    Vehicle:
    Other Hybrid
    Model:
    N/A
    Well, I for one would miss the input from the likes of Rebound and Mendel. There so much can be learnt from the relative pioneers, I don't bother if they don't have the latest toy out of the box.
     
    Prodigyplace likes this.
  20. Prodigyplace

    Prodigyplace Senior Member

    Joined:
    Nov 1, 2016
    10,865
    10,409
    0
    Location:
    Central Virginia
    Vehicle:
    2017 Prius
    Model:
    Two
    True, but they need to realize there are differences, sometimes for the better.
     
    RCO likes this.
Loading...